APY
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I dont think so but does the account with webull offer APY? Which means the cash you leave uninvested earns interest

Hey I have a question regarding this to, so a few months back psol through phantom liquid staking was very very competitive, it advertised the highest APY or near it. I just checked the past week though and its apy basically got cut in half very recently. Its currently at 3.26 apy for liquid psol jito. Is that somehow a mistake or is literally taking like 40% comission?

Two vaults with the same APY

Imo, you can narrow down the staking providers by filtering them using these points:
\-> See the net yield and not the headline APY (Subtract all fees and then calculate the yield)

\-> Trusted validators >>>> new validators with fancy short-term incentives. Look at things like uptime, vote performance, and commission.
\-> How much time it takes to unstake and get back your funds.
\-> Who holds the keys? Always prefer self-custody so you avoid any counterparty risks.
\-> And lastly, check if they offer the type of staking you prefer. For example, do they have liquid staking if you want that or only offer native staking.
I do not stake actively. But whenever I have funds, I use Jupiter to stake SOL as it offers both native and liquid staking. Also, last time I checked, it was in the top 5 validators by the SOL amount staked.

For native staking, they take a 5% commission on inflation rewards and 0% on MEV rewards. If you go the liquid staking route, you pay some more commission fee as it is standard across all LSTs deployed via their LST partner.
Disclosure: I'm friends with a few folks in the Jupiter team. Feel free to do your research by checking their docs page if you want to dive deeper.

I’d suggest staking via Solflare or Phantom. Choose one or several validators with a decent amount of stake (500k+ e.g.), good APY and solid reputation. If you stake outside the supermajority (top 18 validators), you contribute to network decentralization. Liquid staking (Marinade etc.) is also an option.
For validator research and APY data, I’d suggest using: validator . info/solana

I’d suggest staking via Solflare or Phantom. Choose one or several validators with a decent amount of stake (500k+ e.g.), good APY and solid reputation. If you stake outside the supermajority (top 18 validators by stake), you contribute to network decentralization. Liquid staking (Marinade, etc.) is also an option.
For validator research and APY data you can use this dashboard: [https://validator.info/solana?sortBy=apy](https://validator.info/solana?sortBy=apy)

This is much closer to the kind of question I was hoping people would ask.
maxWithdraw()\` and the upgrade/admin path are especially useful because they shift the focus from 'What does the vault claim?' to 'What could actually happen to me right now?' One nuance I’d add regarding \`convertToAssets()\` is that: I would treat step changes as a signal to investigate, rather than as proof that a keeper is reporting totalAssets(). Harvests, oracle updates, and other accounting mechanics can also cause the share value to fluctuate in steps. However, the broader point remains valid: verify the vault's actual behaviour and control surface instead of trusting the APY breakdown on the front end.

i have tried pretty much all types of staking in the past 2 years and now i just use liquid staking. I completely stopped native staking because sometimes there is a cool off period based on the epoch and i might have to wait to unstake.
Liquid Staking is convenient + i can use the Liquid Staking token (LST) in DeFi and also just swap the LST for SOL/ USDC any time making it easy and convenient.
i converted all my long term SOL to JupSOL because i can then use the same LST to either lend/ multiply giving me effectively more rewards/ APY.

I dont think so but does the account with webull offer APY? Which means the cash you leave uninvested earns interest

Hey I have a question regarding this to, so a few months back psol through phantom liquid staking was very very competitive, it advertised the highest APY or near it. I just checked the past week though and its apy basically got cut in half very recently. Its currently at 3.26 apy for liquid psol jito. Is that somehow a mistake or is literally taking like 40% comission?

Two vaults with the same APY

Imo, you can narrow down the staking providers by filtering them using these points:
\-> See the net yield and not the headline APY (Subtract all fees and then calculate the yield)

\-> Trusted validators >>>> new validators with fancy short-term incentives. Look at things like uptime, vote performance, and commission.
\-> How much time it takes to unstake and get back your funds.
\-> Who holds the keys? Always prefer self-custody so you avoid any counterparty risks.
\-> And lastly, check if they offer the type of staking you prefer. For example, do they have liquid staking if you want that or only offer native staking.
I do not stake actively. But whenever I have funds, I use Jupiter to stake SOL as it offers both native and liquid staking. Also, last time I checked, it was in the top 5 validators by the SOL amount staked.

For native staking, they take a 5% commission on inflation rewards and 0% on MEV rewards. If you go the liquid staking route, you pay some more commission fee as it is standard across all LSTs deployed via their LST partner.
Disclosure: I'm friends with a few folks in the Jupiter team. Feel free to do your research by checking their docs page if you want to dive deeper.

I’d suggest staking via Solflare or Phantom. Choose one or several validators with a decent amount of stake (500k+ e.g.), good APY and solid reputation. If you stake outside the supermajority (top 18 validators), you contribute to network decentralization. Liquid staking (Marinade etc.) is also an option.
For validator research and APY data, I’d suggest using: validator . info/solana

I’d suggest staking via Solflare or Phantom. Choose one or several validators with a decent amount of stake (500k+ e.g.), good APY and solid reputation. If you stake outside the supermajority (top 18 validators by stake), you contribute to network decentralization. Liquid staking (Marinade, etc.) is also an option.
For validator research and APY data you can use this dashboard: [https://validator.info/solana?sortBy=apy](https://validator.info/solana?sortBy=apy)

This is much closer to the kind of question I was hoping people would ask.
maxWithdraw()\` and the upgrade/admin path are especially useful because they shift the focus from 'What does the vault claim?' to 'What could actually happen to me right now?' One nuance I’d add regarding \`convertToAssets()\` is that: I would treat step changes as a signal to investigate, rather than as proof that a keeper is reporting totalAssets(). Harvests, oracle updates, and other accounting mechanics can also cause the share value to fluctuate in steps. However, the broader point remains valid: verify the vault's actual behaviour and control surface instead of trusting the APY breakdown on the front end.

i have tried pretty much all types of staking in the past 2 years and now i just use liquid staking. I completely stopped native staking because sometimes there is a cool off period based on the epoch and i might have to wait to unstake.
Liquid Staking is convenient + i can use the Liquid Staking token (LST) in DeFi and also just swap the LST for SOL/ USDC any time making it easy and convenient.
i converted all my long term SOL to JupSOL because i can then use the same LST to either lend/ multiply giving me effectively more rewards/ APY.

solid take on buffers. if you’re picking which LST to loop, compare holding value / fees / liquidity on https://lstradar.com instead of just headline APY. background on how LSTs work: https://lstradar.com/docs/learn

I put mine in X Money - 6% APY, while surely temporary, can't be beat.

This is a little unusual, but if you don't need the money for 3-5 years, it might be worth considering a multi-year guaranteed annuity (MYGA). MYGA are closer in kind to CDs than what people think of when they hear the term "annuity". Basically, you have a contract with an insurance company to give them $X for Y years at Z% interest. So, for example, we recently did a $100K MYGA for 5 years at a guaranteed 5.15% APY. The interest is tax-deferred until we withdraw money, and we have the ability to withdraw 10% per year with no surrender fee. At the end of the 5-year contract period, we can either roll-over all/some of the money into a new contract with continued tax-deferred interest, or cash it out and pay taxes on the accumulated interest.

Because we are still working, it's been a nice way to lock in a 1% higher interest rate without paying 22% income tax on the interest that accrues. It might be worth exploring to see if it is a good fit for some of your money. Lol, of course a month after we got the MYGA, interest rates went up a little. Just our luck, right? But certainly not complaining about having that money compound daily with the tax deferred. 😄

Is this right? My bank offers 4% APY and HOOD offers 6% APY, what’s the catch?